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Old 10-28-2019, 12:08 PM   #1
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Shall we pay repair company or shall insurance pay them directly? Thoughts?

For those of you who have had an insurance claim for damage to your TT or RV, is there an advantage or disadvantage to either of the two following choices for having the claim paid?

1. Your insurance company pays you directly and then you pay the repair company
OR
2. The insurance company pays the repair company directly
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Old 10-28-2019, 12:30 PM   #2
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Depends

For smaller claims.

Maybe $5,000. Or less.
I get the check direct and when I am satisfied with the repairs I pay the repair shop company.


Or
The insurance company pays a check direct made out the the body shop and myself.

That way I have to be satisfied befor I endorse the check and the shop gets pd.

My company sunce 1970 is State Farm.
They have always pd efficiently and satisfactorily.
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Old 10-28-2019, 12:37 PM   #3
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I always have the insurance company pay the repair shop directly.
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Old 10-28-2019, 01:01 PM   #4
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Thank you! I had not thought of being satisfied with the repairs before payment. That is a no brainer... we are too trusting. I appreciate the feedback!
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Old 10-28-2019, 01:24 PM   #5
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I would have the insurance company send a check directly to the repair company made out to them AND to you. That way you don’t endorse the check until you are satifified. Once the repair is done and they are paid it will be hard to have anything redone that wasn’t done correctly the first time.
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Old 10-28-2019, 03:53 PM   #6
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That's the route I would take.
Quote:
Originally Posted by TXTiger View Post
I would have the insurance company send a check directly to the repair company made out to them AND to you. That way you don’t endorse the check until you are satifified. Once the repair is done and they are paid it will be hard to have anything redone that wasn’t done correctly the first time.
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Old 10-31-2019, 02:53 PM   #7
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Quote:
Originally Posted by TXTiger View Post
I would have the insurance company send a check directly to the repair company made out to them AND to you. That way you don’t endorse the check until you are satifified. Once the repair is done and they are paid it will be hard to have anything redone that wasn’t done correctly the first time.
MY insurance company insures ME! I do not want them sending a co-signable check to someone else.

It has been known to have happened that unscrupulous repair shops forge signatures.

YOU control the money, not them.
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Old 11-01-2019, 05:17 AM   #8
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Choose the one you are most comfortable with. Either way, the shop does not get paid until you are satisfied.
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Old 11-01-2019, 11:25 AM   #9
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Quote:
Originally Posted by joshuajim View Post
MY insurance company insures ME! I do not want them sending a co-signable check to someone else.

It has been known to have happened that unscrupulous repair shops forge signatures.

YOU control the money, not them.
I got burned by a shop a few years ago with this. It was a shop i had done business with for 20 years. He called me up and asked me to endorse the check so he could buy parts. Fair enough. I called him a few days later and asked when he wanted the truck to do the work and it turned out he had used the money to pay his mechanics instead of ordering my parts. The insurance said too bad because i had picked the bodyshop. Lesson learned. I dont use cut rate insurance companies and anytime theres work to be done theyll be handling it so theyre responsible.
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Old 11-01-2019, 11:36 AM   #10
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Very few claims ever for me but the ins co sent a check made out to both the repair shop and me. Both had to sign before deposit.
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